While some niche banks (like those for freelancers or eco-conscious users) are growing, several others like Flowbank and Coop Finance+ have already disappeared due to an inability to scale or maintain trust.
By 2026, the neobank landscape has shifted from a "growth at all costs" race to a survival-of-the-fittest battle centered on and strategic depth . While the global market is projected to reach between $310 billion and $552 billion this year, the industry remains divided: approximately 76% of neobanks are still unprofitable , struggling with low average revenue per user ($45 compared to $350 at traditional banks). The Rising Stars: Profitability and Super-Apps Which neobanks will rise or fall?
A prime example of scale-to-profitability, targeting $9 billion in revenue and $3.5 billion in profit for 2026. Its expansion into crypto (where 40% of neobanks are now following) and global stock trading has made it a "financial super-app". While some niche banks (like those for freelancers